Hi,
I finished my IVA which started in May 2005. I'm trying to get a mortgage at present.
I have saved £10,000 for a deposit.
One of my defaults is still on my credit file even after six years as the default date is wrong. How do i sort this?
Is there any brokers/Lenders that will consider me for a mortgage out there?
Write to the creditor and tell them to remove any defaults after the date your IVA was approved. They have to do this. Send them a copy of your completion letter. The CRA won't contact the creditor without proof that this default is wrong.
However, I rather think that £10k won't be enough for a deposit these days.
You should try and contact a whole of market broker to see if they can find something for you.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Cheers for that,
Have sent a letter with my completion cert. So just a waiting game.
The credit agency company that i'm registered with say there's a long wait with the insolvency service removing my IVA from my credit file.
Does anybody know of any good whole of the market brokers I could go to?
Thanks for the reply's
Rooneydog - I have sent your email to luluj so she should be in contact with you soon.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
